Lumpsum calculator
Lumpsum Calculator: Estimate One-Time Investment Growth
A lumpsum investment is a single, one-time contribution into a mutual fund, stock portfolio, or other market-linked instrument, left to compound over time. This calculator projects the future value of that one-time investment based on your expected annual return and time horizon, helping you understand the power of compounding on capital you already have available.
Enter your investment amount, expected annual return, and number of years below to see the estimated maturity value and gains. Consider your risk appetite and time horizon before choosing between equity, debt, or hybrid instruments for a lumpsum allocation.
Estimated future value after compounding
₹14.2 L
Frequently asked questions
What is a lumpsum investment calculator?
A lumpsum calculator estimates the future value of a one-time investment by compounding it at an assumed annual rate of return over a chosen number of years.
Lumpsum vs SIP - which is better?
Lumpsum investing works well when markets are reasonably valued and you have a large sum ready to deploy. SIPs suit investors who want to average their purchase price over time and invest from regular income. Many investors use both approaches together.
What return rate should I assume?
Use a conservative, realistic rate based on your asset allocation. Historical long-term equity returns in India have averaged around 10-12% annually, but past performance does not guarantee future results.
Is the projected value guaranteed?
No. This calculator shows a mathematical projection assuming a constant annual return. Actual mutual fund and equity returns vary year to year and can be negative in some periods.
Explore more: all calculators, the SIP Calculator, or the FD Calculator.